Home > First Financial Bank > Income and Expense
First Financial Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $11,221,000 | 1,794 |
| Total interest expense | $324,000 | 5,531 |
| Net interest income | $10,897,000 | 1,524 |
| Provision for loan and lease losses | $131,000 | 4,078 |
| Total noninterest income | $3,336,000 | 1,246 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,640,000 | 656 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,696,000 | 1,414 |
| Total noninterest expense | $8,222,000 | 1,748 |
| Salaries and employee benefits | $3,562,000 | 2,102 |
| Premises and equipment expense | $1,017,000 | 1,745 |
| Additional noninterest expense | $3,643,000 | 1,399 |
| Pre-tax net operating income | $5,880,000 | 924 |
| Securities gains (losses) | $240,000 | 1,290 |
| Applicable income taxes | $1,391,000 | 962 |
| Income before extraordinary items | $4,729,000 | 976 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $4,729,000 | 976 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $4,729,000 | 976 |
| Net charge-offs | $43,000 | 4,621 |
| Cash dividends | $3,400,000 | 496 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 696 |
| Net operating income | $4,544,200 | 960 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,512,000 | 1,796 |
| Total interest expense | $237,000 | 5,445 |
| Net interest income | $7,275,000 | 1,527 |
| Provision for loan and lease losses | $131,000 | 3,518 |
| Total noninterest income | $2,127,000 | 1,276 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $1,068,000 | 668 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,059,000 | 1,462 |
| Total noninterest expense | $5,456,000 | 1,770 |
| Salaries and employee benefits | $2,382,000 | 2,088 |
| Premises and equipment expense | $681,000 | 1,731 |
| Additional noninterest expense | $2,393,000 | 1,425 |
| Pre-tax net operating income | $3,815,000 | 946 |
| Securities gains (losses) | $72,000 | 1,815 |
| Applicable income taxes | $864,000 | 1,005 |
| Income before extraordinary items | $3,023,000 | 1,007 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,023,000 | 1,007 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,023,000 | 1,007 |
| Net charge-offs | $246,000 | 2,520 |
| Cash dividends | $2,200,000 | 485 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 709 |
| Net operating income | $2,966,840 | 968 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,793,000 | 1,798 |
| Total interest expense | $133,000 | 5,330 |
| Net interest income | $3,660,000 | 1,524 |
| Provision for loan and lease losses | $100,000 | 2,838 |
| Total noninterest income | $1,187,000 | 1,170 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $532,000 | 667 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $655,000 | 1,236 |
| Total noninterest expense | $2,801,000 | 1,723 |
| Salaries and employee benefits | $1,215,000 | 2,065 |
| Premises and equipment expense | $342,000 | 1,730 |
| Additional noninterest expense | $1,244,000 | 1,353 |
| Pre-tax net operating income | $1,946,000 | 914 |
| Securities gains (losses) | $2,000 | 2,023 |
| Applicable income taxes | $437,000 | 994 |
| Income before extraordinary items | $1,511,000 | 990 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,511,000 | 992 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,511,000 | 991 |
| Net charge-offs | $133,000 | 2,197 |
| Cash dividends | $1,000,000 | 457 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 651 |
| Net operating income | $1,509,440 | 925 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,582,000 | 1,807 |
| Total interest expense | $794,000 | 4,933 |
| Net interest income | $14,788,000 | 1,513 |
| Provision for loan and lease losses | $1,015,000 | 2,388 |
| Total noninterest income | $4,647,000 | 1,100 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $2,334,000 | 633 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,313,000 | 1,235 |
| Total noninterest expense | $10,896,000 | 1,773 |
| Salaries and employee benefits | $4,879,000 | 1,979 |
| Premises and equipment expense | $1,304,000 | 1,906 |
| Additional noninterest expense | $4,713,000 | 1,456 |
| Pre-tax net operating income | $7,524,000 | 812 |
| Securities gains (losses) | $55,000 | 2,526 |
| Applicable income taxes | $1,772,000 | 877 |
| Income before extraordinary items | $5,807,000 | 865 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,807,000 | 865 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $5,807,000 | 865 |
| Net charge-offs | $1,387,000 | 1,987 |
| Cash dividends | $4,200,000 | 496 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 834 |
| Net operating income | $5,764,650 | 840 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,784,000 | 1,814 |
| Total interest expense | $641,000 | 4,882 |
| Net interest income | $11,143,000 | 1,504 |
| Provision for loan and lease losses | $1,015,000 | 1,945 |
| Total noninterest income | $3,503,000 | 1,109 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,772,000 | 626 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,731,000 | 1,232 |
| Total noninterest expense | $8,226,000 | 1,764 |
| Salaries and employee benefits | $3,680,000 | 1,971 |
| Premises and equipment expense | $971,000 | 1,926 |
| Additional noninterest expense | $3,575,000 | 1,437 |
| Pre-tax net operating income | $5,405,000 | 865 |
| Securities gains (losses) | $55,000 | 2,274 |
| Applicable income taxes | $1,263,000 | 912 |
| Income before extraordinary items | $4,197,000 | 903 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,197,000 | 902 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $4,197,000 | 903 |
| Net charge-offs | $1,324,000 | 1,625 |
| Cash dividends | $3,100,000 | 440 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 772 |
| Net operating income | $4,154,650 | 881 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,893,000 | 1,814 |
| Total interest expense | $463,000 | 4,816 |
| Net interest income | $7,430,000 | 1,504 |
| Provision for loan and lease losses | $875,000 | 1,635 |
| Total noninterest income | $2,317,000 | 1,102 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,198,000 | 616 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,119,000 | 1,248 |
| Total noninterest expense | $5,412,000 | 1,803 |
| Salaries and employee benefits | $2,459,000 | 1,983 |
| Premises and equipment expense | $641,000 | 1,966 |
| Additional noninterest expense | $2,312,000 | 1,499 |
| Pre-tax net operating income | $3,460,000 | 871 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $783,000 | 937 |
| Income before extraordinary items | $2,677,000 | 923 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,677,000 | 922 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,677,000 | 923 |
| Net charge-offs | $1,211,000 | 1,313 |
| Cash dividends | $2,000,000 | 425 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 742 |
| Net operating income | $2,677,000 | 892 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,944,000 | 1,825 |
| Total interest expense | $256,000 | 4,692 |
| Net interest income | $3,688,000 | 1,514 |
| Provision for loan and lease losses | $550,000 | 1,349 |
| Total noninterest income | $1,353,000 | 990 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $598,000 | 603 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $755,000 | 1,020 |
| Total noninterest expense | $2,706,000 | 1,816 |
| Salaries and employee benefits | $1,290,000 | 1,919 |
| Premises and equipment expense | $312,000 | 2,053 |
| Additional noninterest expense | $1,104,000 | 1,568 |
| Pre-tax net operating income | $1,785,000 | 850 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $413,000 | 863 |
| Income before extraordinary items | $1,372,000 | 887 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,372,000 | 886 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,372,000 | 887 |
| Net charge-offs | $693,000 | 1,096 |
| Cash dividends | $1,000,000 | 383 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 697 |
| Net operating income | $1,372,000 | 864 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,504,000 | 1,954 |
| Total interest expense | $1,577,000 | 4,144 |
| Net interest income | $13,927,000 | 1,604 |
| Provision for loan and lease losses | $1,108,000 | 2,899 |
| Total noninterest income | $5,035,000 | 1,086 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,898,000 | 519 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,137,000 | 1,346 |
| Total noninterest expense | $10,522,000 | 1,864 |
| Salaries and employee benefits | $4,887,000 | 1,977 |
| Premises and equipment expense | $1,379,000 | 1,867 |
| Additional noninterest expense | $4,256,000 | 1,686 |
| Pre-tax net operating income | $7,332,000 | 740 |
| Securities gains (losses) | $68,000 | 2,455 |
| Applicable income taxes | $1,859,000 | 775 |
| Income before extraordinary items | $5,541,000 | 788 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,541,000 | 788 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $5,541,000 | 789 |
| Net charge-offs | $675,000 | 3,225 |
| Cash dividends | $2,750,000 | 588 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,002 |
| Net operating income | $5,490,000 | 762 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,639,000 | 1,994 |
| Total interest expense | $1,258,000 | 4,139 |
| Net interest income | $10,381,000 | 1,631 |
| Provision for loan and lease losses | $988,000 | 2,527 |
| Total noninterest income | $3,751,000 | 1,066 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $2,244,000 | 505 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,507,000 | 1,339 |
| Total noninterest expense | $7,820,000 | 1,875 |
| Salaries and employee benefits | $3,637,000 | 1,998 |
| Premises and equipment expense | $1,043,000 | 1,872 |
| Additional noninterest expense | $3,140,000 | 1,690 |
| Pre-tax net operating income | $5,324,000 | 792 |
| Securities gains (losses) | $10,000 | 3,111 |
| Applicable income taxes | $1,328,000 | 821 |
| Income before extraordinary items | $4,006,000 | 868 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $4,006,000 | 869 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $4,006,000 | 869 |
| Net charge-offs | $545,000 | 2,958 |
| Cash dividends | $1,750,000 | 615 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 937 |
| Net operating income | $3,998,500 | 824 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,794,000 | 2,005 |
| Total interest expense | $855,000 | 4,191 |
| Net interest income | $6,939,000 | 1,623 |
| Provision for loan and lease losses | $838,000 | 2,142 |
| Total noninterest income | $2,495,000 | 1,043 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,528,000 | 494 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $967,000 | 1,327 |
| Total noninterest expense | $5,174,000 | 1,900 |
| Salaries and employee benefits | $2,406,000 | 2,018 |
| Premises and equipment expense | $691,000 | 1,890 |
| Additional noninterest expense | $2,077,000 | 1,702 |
| Pre-tax net operating income | $3,422,000 | 806 |
| Securities gains (losses) | $10,000 | 2,597 |
| Applicable income taxes | $840,000 | 822 |
| Income before extraordinary items | $2,592,000 | 856 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,592,000 | 856 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,592,000 | 857 |
| Net charge-offs | $430,000 | 2,613 |
| Cash dividends | $750,000 | 928 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 882 |
| Net operating income | $2,584,400 | 829 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,868,000 | 2,069 |
| Total interest expense | $432,000 | 4,292 |
| Net interest income | $3,436,000 | 1,649 |
| Provision for loan and lease losses | $538,000 | 1,752 |
| Total noninterest income | $1,194,000 | 1,053 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $735,000 | 518 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $459,000 | 1,384 |
| Total noninterest expense | $2,574,000 | 1,925 |
| Salaries and employee benefits | $1,199,000 | 2,050 |
| Premises and equipment expense | $338,000 | 1,989 |
| Additional noninterest expense | $1,037,000 | 1,691 |
| Pre-tax net operating income | $1,518,000 | 884 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $348,000 | 924 |
| Income before extraordinary items | $1,170,000 | 932 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,170,000 | 936 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,170,000 | 936 |
| Net charge-offs | $384,000 | 1,806 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 825 |
| Net operating income | $1,170,000 | 910 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,985,000 | 2,117 |
| Total interest expense | $2,177,000 | 4,220 |
| Net interest income | $13,808,000 | 1,626 |
| Provision for loan and lease losses | $2,234,000 | 2,341 |
| Total noninterest income | $4,798,000 | 1,139 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,278,000 | 511 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,520,000 | 1,638 |
| Total noninterest expense | $10,039,000 | 2,017 |
| Salaries and employee benefits | $4,605,000 | 2,134 |
| Premises and equipment expense | $1,379,000 | 1,951 |
| Additional noninterest expense | $4,055,000 | 1,832 |
| Pre-tax net operating income | $6,333,000 | 683 |
| Securities gains (losses) | $420,000 | 988 |
| Applicable income taxes | $1,629,000 | 658 |
| Income before extraordinary items | $5,124,000 | 664 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,124,000 | 663 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $5,124,000 | 664 |
| Net charge-offs | $396,000 | 4,105 |
| Cash dividends | $3,250,000 | 534 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 1,123 |
| Net operating income | $4,804,800 | 709 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,175,000 | 2,126 |
| Total interest expense | $1,702,000 | 4,255 |
| Net interest income | $10,473,000 | 1,608 |
| Provision for loan and lease losses | $1,084,000 | 2,666 |
| Total noninterest income | $3,620,000 | 1,143 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,444,000 | 511 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,176,000 | 1,637 |
| Total noninterest expense | $7,646,000 | 1,964 |
| Salaries and employee benefits | $3,428,000 | 2,169 |
| Premises and equipment expense | $1,018,000 | 1,997 |
| Additional noninterest expense | $3,200,000 | 1,691 |
| Pre-tax net operating income | $5,363,000 | 639 |
| Securities gains (losses) | $322,000 | 951 |
| Applicable income taxes | $1,434,000 | 625 |
| Income before extraordinary items | $4,251,000 | 634 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $4,251,000 | 635 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $4,251,000 | 636 |
| Net charge-offs | $132,000 | 4,781 |
| Cash dividends | $2,100,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 1,032 |
| Net operating income | $4,009,500 | 669 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,152,000 | 2,158 |
| Total interest expense | $1,202,000 | 4,243 |
| Net interest income | $6,950,000 | 1,622 |
| Provision for loan and lease losses | $349,000 | 3,497 |
| Total noninterest income | $2,372,000 | 1,166 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,601,000 | 513 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $771,000 | 1,699 |
| Total noninterest expense | $5,176,000 | 1,969 |
| Salaries and employee benefits | $2,314,000 | 2,175 |
| Premises and equipment expense | $692,000 | 1,984 |
| Additional noninterest expense | $2,170,000 | 1,677 |
| Pre-tax net operating income | $3,797,000 | 595 |
| Securities gains (losses) | $45,000 | 1,968 |
| Applicable income taxes | $995,000 | 622 |
| Income before extraordinary items | $2,847,000 | 643 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,847,000 | 642 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,847,000 | 644 |
| Net charge-offs | $142,000 | 3,840 |
| Cash dividends | $1,000,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,056 |
| Net operating income | $2,813,700 | 634 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,142,000 | 2,145 |
| Total interest expense | $663,000 | 4,092 |
| Net interest income | $3,479,000 | 1,609 |
| Provision for loan and lease losses | $162,000 | 3,120 |
| Total noninterest income | $1,101,000 | 1,183 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $782,000 | 521 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $319,000 | 1,870 |
| Total noninterest expense | $2,513,000 | 1,980 |
| Salaries and employee benefits | $1,173,000 | 2,174 |
| Premises and equipment expense | $338,000 | 2,065 |
| Additional noninterest expense | $1,002,000 | 1,615 |
| Pre-tax net operating income | $1,905,000 | 645 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $499,000 | 674 |
| Income before extraordinary items | $1,406,000 | 734 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,406,000 | 734 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,406,000 | 736 |
| Net charge-offs | $123,000 | 2,647 |
| Cash dividends | $1,000,000 | 426 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 938 |
| Net operating income | $1,406,000 | 685 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,127,000 | 2,103 |
| Total interest expense | $4,321,000 | 3,313 |
| Net interest income | $13,806,000 | 1,617 |
| Provision for loan and lease losses | $867,000 | 2,920 |
| Total noninterest income | $5,063,000 | 1,041 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,385,000 | 509 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,678,000 | 1,479 |
| Total noninterest expense | $9,996,000 | 1,931 |
| Salaries and employee benefits | $5,033,000 | 2,013 |
| Premises and equipment expense | $1,273,000 | 2,122 |
| Additional noninterest expense | $3,690,000 | 1,674 |
| Pre-tax net operating income | $8,006,000 | 698 |
| Securities gains (losses) | $147,000 | 882 |
| Applicable income taxes | $2,323,000 | 592 |
| Income before extraordinary items | $5,830,000 | 694 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,830,000 | 694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $536,000 | 2,703 |
| Cash dividends | $3,450,000 | 796 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 1,201 |
| Net operating income | $5,724,160 | 757 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,802,000 | 2,119 |
| Total interest expense | $3,473,000 | 3,264 |
| Net interest income | $10,329,000 | 1,632 |
| Provision for loan and lease losses | $655,000 | 2,345 |
| Total noninterest income | $3,858,000 | 1,078 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,537,000 | 521 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,321,000 | 1,488 |
| Total noninterest expense | $7,561,000 | 1,908 |
| Salaries and employee benefits | $3,823,000 | 2,013 |
| Premises and equipment expense | $950,000 | 2,141 |
| Additional noninterest expense | $2,788,000 | 1,603 |
| Pre-tax net operating income | $5,971,000 | 856 |
| Securities gains (losses) | $84,000 | 1,074 |
| Applicable income taxes | $1,732,000 | 735 |
| Income before extraordinary items | $4,323,000 | 848 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,323,000 | 847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 2,022 |
| Cash dividends | $2,600,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 1,051 |
| Net operating income | $4,263,360 | 918 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,378,000 | 2,105 |
| Total interest expense | $2,540,000 | 3,146 |
| Net interest income | $6,838,000 | 1,647 |
| Provision for loan and lease losses | $330,000 | 2,398 |
| Total noninterest income | $2,572,000 | 1,092 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,671,000 | 509 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $901,000 | 1,510 |
| Total noninterest expense | $5,063,000 | 1,897 |
| Salaries and employee benefits | $2,549,000 | 2,031 |
| Premises and equipment expense | $615,000 | 2,197 |
| Additional noninterest expense | $1,899,000 | 1,550 |
| Pre-tax net operating income | $4,017,000 | 877 |
| Securities gains (losses) | $49,000 | 1,459 |
| Applicable income taxes | $1,169,000 | 819 |
| Income before extraordinary items | $2,897,000 | 948 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,897,000 | 948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,349 |
| Cash dividends | $1,800,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,007 |
| Net operating income | $2,862,210 | 940 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,856,000 | 2,092 |
| Total interest expense | $1,474,000 | 2,923 |
| Net interest income | $3,382,000 | 1,645 |
| Provision for loan and lease losses | $120,000 | 2,457 |
| Total noninterest income | $1,322,000 | 1,061 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $834,000 | 496 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $488,000 | 1,447 |
| Total noninterest expense | $2,541,000 | 1,881 |
| Salaries and employee benefits | $1,277,000 | 2,059 |
| Premises and equipment expense | $295,000 | 2,304 |
| Additional noninterest expense | $969,000 | 1,487 |
| Pre-tax net operating income | $2,043,000 | 922 |
| Securities gains (losses) | $49,000 | 1,096 |
| Applicable income taxes | $604,000 | 863 |
| Income before extraordinary items | $1,488,000 | 1,017 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,488,000 | 1,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,711 |
| Cash dividends | $850,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 895 |
| Net operating income | $1,453,210 | 996 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $19,033,000 | 2,161 |
| Total interest expense | $6,937,000 | 2,655 |
| Net interest income | $12,096,000 | 1,872 |
| Provision for loan and lease losses | $275,000 | 3,345 |
| Total noninterest income | $5,046,000 | 1,094 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,424,000 | 506 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,622,000 | 1,588 |
| Total noninterest expense | $8,953,000 | 2,052 |
| Salaries and employee benefits | $4,516,000 | 2,226 |
| Premises and equipment expense | $1,075,000 | 2,414 |
| Additional noninterest expense | $3,362,000 | 1,661 |
| Pre-tax net operating income | $7,914,000 | 1,060 |
| Securities gains (losses) | $5,000 | 1,575 |
| Applicable income taxes | $2,408,000 | 962 |
| Income before extraordinary items | $5,511,000 | 1,168 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,511,000 | 1,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 2,283 |
| Cash dividends | $3,350,000 | 1,091 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,181 |
| Net operating income | $5,507,500 | 1,160 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,112,000 | 2,192 |
| Total interest expense | $5,195,000 | 2,647 |
| Net interest income | $8,917,000 | 1,919 |
| Provision for loan and lease losses | $115,000 | 3,913 |
| Total noninterest income | $3,687,000 | 1,111 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,513,000 | 508 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,174,000 | 1,618 |
| Total noninterest expense | $6,637,000 | 2,059 |
| Salaries and employee benefits | $3,343,000 | 2,254 |
| Premises and equipment expense | $790,000 | 2,442 |
| Additional noninterest expense | $2,504,000 | 1,631 |
| Pre-tax net operating income | $5,852,000 | 1,167 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,777,000 | 1,057 |
| Income before extraordinary items | $4,075,000 | 1,264 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,075,000 | 1,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,893 |
| Cash dividends | $2,500,000 | 1,013 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,047 |
| Net operating income | $4,075,000 | 1,253 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,350,000 | 2,226 |
| Total interest expense | $3,448,000 | 2,653 |
| Net interest income | $5,902,000 | 1,962 |
| Provision for loan and lease losses | $75,000 | 3,728 |
| Total noninterest income | $2,359,000 | 1,170 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,608,000 | 539 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $751,000 | 1,686 |
| Total noninterest expense | $4,328,000 | 2,124 |
| Salaries and employee benefits | $2,201,000 | 2,313 |
| Premises and equipment expense | $513,000 | 2,523 |
| Additional noninterest expense | $1,614,000 | 1,687 |
| Pre-tax net operating income | $3,858,000 | 1,226 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,178,000 | 1,125 |
| Income before extraordinary items | $2,680,000 | 1,332 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,680,000 | 1,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,426 |
| Cash dividends | $1,750,000 | 998 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 965 |
| Net operating income | $2,680,000 | 1,313 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,598,000 | 2,261 |
| Total interest expense | $1,671,000 | 2,716 |
| Net interest income | $2,927,000 | 1,984 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $1,137,000 | 1,189 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $784,000 | 529 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $353,000 | 1,745 |
| Total noninterest expense | $2,154,000 | 2,149 |
| Salaries and employee benefits | $1,087,000 | 2,366 |
| Premises and equipment expense | $249,000 | 2,597 |
| Additional noninterest expense | $818,000 | 1,642 |
| Pre-tax net operating income | $1,890,000 | 1,239 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $579,000 | 1,152 |
| Income before extraordinary items | $1,311,000 | 1,342 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,311,000 | 1,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,284 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 817 |
| Net operating income | $1,311,000 | 1,336 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,264,000 | 2,388 |
| Total interest expense | $4,938,000 | 3,052 |
| Net interest income | $11,326,000 | 2,053 |
| Provision for loan and lease losses | $205,000 | 3,480 |
| Total noninterest income | $4,591,000 | 1,175 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,339,000 | 515 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,252,000 | 1,899 |
| Total noninterest expense | $8,449,000 | 2,082 |
| Salaries and employee benefits | $4,240,000 | 2,312 |
| Premises and equipment expense | $1,047,000 | 2,357 |
| Additional noninterest expense | $3,162,000 | 1,663 |
| Pre-tax net operating income | $7,263,000 | 1,355 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,227,000 | 1,227 |
| Income before extraordinary items | $5,036,000 | 1,444 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,036,000 | 1,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 8,459 |
| Cash dividends | $4,200,000 | 833 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,129 |
| Net operating income | $5,036,000 | 1,430 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,026,000 | 2,405 |
| Total interest expense | $3,641,000 | 3,019 |
| Net interest income | $8,385,000 | 2,093 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $3,417,000 | 1,193 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,502,000 | 510 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $915,000 | 1,958 |
| Total noninterest expense | $6,195,000 | 2,146 |
| Salaries and employee benefits | $3,191,000 | 2,304 |
| Premises and equipment expense | $790,000 | 2,360 |
| Additional noninterest expense | $2,214,000 | 1,759 |
| Pre-tax net operating income | $5,427,000 | 1,404 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,664,000 | 1,289 |
| Income before extraordinary items | $3,763,000 | 1,484 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,763,000 | 1,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,550 |
| Cash dividends | $3,200,000 | 786 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 952 |
| Net operating income | $3,763,000 | 1,464 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,908,000 | 2,400 |
| Total interest expense | $2,393,000 | 2,927 |
| Net interest income | $5,515,000 | 2,118 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $2,199,000 | 1,224 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,606,000 | 531 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $593,000 | 1,982 |
| Total noninterest expense | $4,091,000 | 2,161 |
| Salaries and employee benefits | $2,127,000 | 2,303 |
| Premises and equipment expense | $533,000 | 2,325 |
| Additional noninterest expense | $1,431,000 | 1,823 |
| Pre-tax net operating income | $3,563,000 | 1,419 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,098,000 | 1,298 |
| Income before extraordinary items | $2,465,000 | 1,506 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,465,000 | 1,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,763 |
| Cash dividends | $2,200,000 | 745 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,465,000 | 1,485 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,814,000 | 2,426 |
| Total interest expense | $1,125,000 | 2,962 |
| Net interest income | $2,689,000 | 2,158 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,094,000 | 1,200 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $778,000 | 527 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $316,000 | 1,861 |
| Total noninterest expense | $2,009,000 | 2,204 |
| Salaries and employee benefits | $1,079,000 | 2,284 |
| Premises and equipment expense | $259,000 | 2,403 |
| Additional noninterest expense | $671,000 | 1,948 |
| Pre-tax net operating income | $1,774,000 | 1,383 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $554,000 | 1,275 |
| Income before extraordinary items | $1,220,000 | 1,484 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,220,000 | 1,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,725 |
| Cash dividends | $1,150,000 | 666 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,220,000 | 1,462 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,818,000 | 2,571 |
| Total interest expense | $2,844,000 | 3,491 |
| Net interest income | $9,974,000 | 2,225 |
| Provision for loan and lease losses | $96,000 | 4,889 |
| Total noninterest income | $4,604,000 | 1,152 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,125,000 | 538 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,479,000 | 1,684 |
| Total noninterest expense | $7,586,000 | 2,203 |
| Salaries and employee benefits | $3,960,000 | 2,311 |
| Premises and equipment expense | $963,000 | 2,450 |
| Additional noninterest expense | $2,663,000 | 1,907 |
| Pre-tax net operating income | $6,896,000 | 1,391 |
| Securities gains (losses) | $40,000 | 1,003 |
| Applicable income taxes | $2,099,000 | 1,307 |
| Income before extraordinary items | $4,837,000 | 1,460 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,837,000 | 1,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,264 |
| Cash dividends | $4,375,000 | 748 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,809,000 | 1,453 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,371,000 | 2,573 |
| Total interest expense | $2,003,000 | 3,509 |
| Net interest income | $7,368,000 | 2,224 |
| Provision for loan and lease losses | $94,000 | 4,264 |
| Total noninterest income | $3,519,000 | 1,143 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,314,000 | 547 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,205,000 | 1,585 |
| Total noninterest expense | $5,629,000 | 2,201 |
| Salaries and employee benefits | $2,923,000 | 2,319 |
| Premises and equipment expense | $703,000 | 2,503 |
| Additional noninterest expense | $2,003,000 | 1,870 |
| Pre-tax net operating income | $5,164,000 | 1,394 |
| Securities gains (losses) | $40,000 | 963 |
| Applicable income taxes | $1,577,000 | 1,333 |
| Income before extraordinary items | $3,627,000 | 1,468 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,627,000 | 1,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,641 |
| Cash dividends | $3,325,000 | 665 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,599,000 | 1,459 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,101,000 | 2,565 |
| Total interest expense | $1,264,000 | 3,499 |
| Net interest income | $4,837,000 | 2,235 |
| Provision for loan and lease losses | $94,000 | 3,452 |
| Total noninterest income | $2,474,000 | 1,082 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,518,000 | 546 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $956,000 | 1,393 |
| Total noninterest expense | $3,698,000 | 2,222 |
| Salaries and employee benefits | $1,904,000 | 2,353 |
| Premises and equipment expense | $453,000 | 2,561 |
| Additional noninterest expense | $1,341,000 | 1,845 |
| Pre-tax net operating income | $3,519,000 | 1,331 |
| Securities gains (losses) | $39,000 | 881 |
| Applicable income taxes | $1,086,000 | 1,275 |
| Income before extraordinary items | $2,472,000 | 1,413 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,472,000 | 1,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,175 |
| Cash dividends | $2,277,000 | 638 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,445,090 | 1,403 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,943,000 | 2,612 |
| Total interest expense | $582,000 | 3,590 |
| Net interest income | $2,361,000 | 2,277 |
| Provision for loan and lease losses | $61,000 | 2,818 |
| Total noninterest income | $1,391,000 | 964 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $730,000 | 542 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $661,000 | 1,088 |
| Total noninterest expense | $1,810,000 | 2,290 |
| Salaries and employee benefits | $937,000 | 2,414 |
| Premises and equipment expense | $224,000 | 2,597 |
| Additional noninterest expense | $649,000 | 1,887 |
| Pre-tax net operating income | $1,881,000 | 1,215 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $578,000 | 1,180 |
| Income before extraordinary items | $1,303,000 | 1,327 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,303,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 1,310 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,303,000 | 1,294 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,817,000 | 2,630 |
| Total interest expense | $1,573,000 | 4,391 |
| Net interest income | $9,244,000 | 2,207 |
| Provision for loan and lease losses | $505,000 | 1,942 |
| Total noninterest income | $4,089,000 | 1,254 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,251,000 | 532 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $838,000 | 2,420 |
| Total noninterest expense | $6,699,000 | 2,383 |
| Salaries and employee benefits | $3,468,000 | 2,506 |
| Premises and equipment expense | $717,000 | 3,068 |
| Additional noninterest expense | $2,514,000 | 1,934 |
| Pre-tax net operating income | $6,129,000 | 1,405 |
| Securities gains (losses) | $9,000 | 2,866 |
| Applicable income taxes | $1,818,000 | 1,390 |
| Income before extraordinary items | $4,320,000 | 1,489 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,320,000 | 1,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,673 |
| Cash dividends | $4,200,000 | 721 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,313,700 | 1,442 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,998,000 | 2,634 |
| Total interest expense | $1,131,000 | 4,461 |
| Net interest income | $6,867,000 | 2,201 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $3,121,000 | 1,264 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,451,000 | 533 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $670,000 | 2,331 |
| Total noninterest expense | $5,043,000 | 2,361 |
| Salaries and employee benefits | $2,653,000 | 2,435 |
| Premises and equipment expense | $533,000 | 3,096 |
| Additional noninterest expense | $1,857,000 | 1,936 |
| Pre-tax net operating income | $4,585,000 | 1,416 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,356,000 | 1,403 |
| Income before extraordinary items | $3,229,000 | 1,511 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,229,000 | 1,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,849 |
| Cash dividends | $3,150,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,229,000 | 1,466 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,221,000 | 2,682 |
| Total interest expense | $725,000 | 4,575 |
| Net interest income | $4,496,000 | 2,227 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $1,995,000 | 1,290 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,550,000 | 562 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $445,000 | 2,365 |
| Total noninterest expense | $3,261,000 | 2,437 |
| Salaries and employee benefits | $1,733,000 | 2,480 |
| Premises and equipment expense | $347,000 | 3,153 |
| Additional noninterest expense | $1,181,000 | 2,036 |
| Pre-tax net operating income | $3,080,000 | 1,385 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $912,000 | 1,379 |
| Income before extraordinary items | $2,168,000 | 1,486 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,168,000 | 1,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,580 |
| Cash dividends | $2,000,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,168,000 | 1,433 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,586,000 | 2,700 |
| Total interest expense | $359,000 | 4,635 |
| Net interest income | $2,227,000 | 2,250 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $987,000 | 1,267 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $743,000 | 578 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $244,000 | 2,166 |
| Total noninterest expense | $1,600,000 | 2,500 |
| Salaries and employee benefits | $852,000 | 2,545 |
| Premises and equipment expense | $172,000 | 3,205 |
| Additional noninterest expense | $576,000 | 2,047 |
| Pre-tax net operating income | $1,578,000 | 1,325 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $469,000 | 1,367 |
| Income before extraordinary items | $1,109,000 | 1,443 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,109,000 | 1,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,693 |
| Cash dividends | $1,000,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,109,000 | 1,370 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,927,000 | 2,841 |
| Total interest expense | $1,677,000 | 4,560 |
| Net interest income | $8,250,000 | 2,365 |
| Provision for loan and lease losses | $253,000 | 3,520 |
| Total noninterest income | $3,666,000 | 1,436 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,639,000 | 652 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,027,000 | 2,351 |
| Total noninterest expense | $6,063,000 | 2,574 |
| Salaries and employee benefits | $3,123,000 | 2,685 |
| Premises and equipment expense | $694,000 | 3,107 |
| Additional noninterest expense | $2,246,000 | 2,141 |
| Pre-tax net operating income | $5,600,000 | 1,476 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,666,000 | 1,479 |
| Income before extraordinary items | $3,934,000 | 1,585 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,934,000 | 1,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,768 |
| Cash dividends | $3,800,000 | 824 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,934,000 | 1,516 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,442,000 | 2,880 |
| Total interest expense | $1,315,000 | 4,548 |
| Net interest income | $6,127,000 | 2,395 |
| Provision for loan and lease losses | $223,000 | 3,151 |
| Total noninterest income | $2,797,000 | 1,446 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,980,000 | 660 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $817,000 | 2,342 |
| Total noninterest expense | $4,473,000 | 2,622 |
| Salaries and employee benefits | $2,300,000 | 2,721 |
| Premises and equipment expense | $528,000 | 3,069 |
| Additional noninterest expense | $1,645,000 | 2,181 |
| Pre-tax net operating income | $4,228,000 | 1,502 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,270,000 | 1,534 |
| Income before extraordinary items | $2,958,000 | 1,628 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,958,000 | 1,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,091 |
| Cash dividends | $2,800,000 | 771 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,958,000 | 1,558 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,992,000 | 2,899 |
| Total interest expense | $937,000 | 4,458 |
| Net interest income | $4,055,000 | 2,396 |
| Provision for loan and lease losses | $83,000 | 4,260 |
| Total noninterest income | $1,746,000 | 1,521 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,302,000 | 655 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $444,000 | 2,634 |
| Total noninterest expense | $2,930,000 | 2,660 |
| Salaries and employee benefits | $1,526,000 | 2,740 |
| Premises and equipment expense | $339,000 | 3,164 |
| Additional noninterest expense | $1,065,000 | 2,234 |
| Pre-tax net operating income | $2,788,000 | 1,502 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $845,000 | 1,548 |
| Income before extraordinary items | $1,943,000 | 1,668 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,943,000 | 1,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $1,800,000 | 819 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,943,000 | 1,556 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 2,879 |
| Total interest expense | $506,000 | 4,308 |
| Net interest income | $2,022,000 | 2,401 |
| Provision for loan and lease losses | $51,000 | 3,633 |
| Total noninterest income | $841,000 | 1,522 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $612,000 | 677 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $229,000 | 2,483 |
| Total noninterest expense | $1,441,000 | 2,682 |
| Salaries and employee benefits | $760,000 | 2,732 |
| Premises and equipment expense | $166,000 | 3,209 |
| Additional noninterest expense | $515,000 | 2,273 |
| Pre-tax net operating income | $1,371,000 | 1,534 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $411,000 | 1,584 |
| Income before extraordinary items | $960,000 | 1,672 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $960,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $900,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $960,000 | 1,568 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,153,000 | 2,734 |
| Total interest expense | $2,890,000 | 3,630 |
| Net interest income | $8,263,000 | 2,339 |
| Provision for loan and lease losses | $130,000 | 5,190 |
| Total noninterest income | $3,079,000 | 1,527 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,463,000 | 664 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $616,000 | 2,919 |
| Total noninterest expense | $5,730,000 | 2,581 |
| Salaries and employee benefits | $2,912,000 | 2,700 |
| Premises and equipment expense | $624,000 | 3,300 |
| Additional noninterest expense | $2,194,000 | 2,113 |
| Pre-tax net operating income | $5,482,000 | 1,499 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,620,000 | 1,546 |
| Income before extraordinary items | $3,862,000 | 1,573 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,862,000 | 1,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,566 |
| Cash dividends | $3,125,000 | 900 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,862,000 | 1,522 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,587,000 | 2,704 |
| Total interest expense | $4,801,000 | 3,263 |
| Net interest income | $7,786,000 | 2,294 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $2,801,000 | 1,559 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,283,000 | 646 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $518,000 | 3,066 |
| Total noninterest expense | $5,613,000 | 2,520 |
| Salaries and employee benefits | $2,799,000 | 2,672 |
| Premises and equipment expense | $625,000 | 3,263 |
| Additional noninterest expense | $2,189,000 | 2,058 |
| Pre-tax net operating income | $4,938,000 | 1,452 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,542,000 | 1,463 |
| Income before extraordinary items | $3,396,000 | 1,567 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,396,000 | 1,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,750 |
| Cash dividends | $2,250,000 | 1,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,396,000 | 1,499 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,624,000 | 2,762 |
| Total interest expense | $5,074,000 | 3,274 |
| Net interest income | $7,550,000 | 2,355 |
| Provision for loan and lease losses | $59,000 | 6,345 |
| Total noninterest income | $2,518,000 | 1,579 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,088,000 | 642 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $430,000 | 3,201 |
| Total noninterest expense | $5,320,000 | 2,557 |
| Salaries and employee benefits | $2,494,000 | 2,835 |
| Premises and equipment expense | $594,000 | 3,301 |
| Additional noninterest expense | $2,232,000 | 1,945 |
| Pre-tax net operating income | $4,689,000 | 1,576 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,491,000 | 1,523 |
| Income before extraordinary items | $3,198,000 | 1,641 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,198,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 9,388 |
| Cash dividends | $2,900,000 | 998 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,198,000 | 1,635 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,649,000 | 2,781 |
| Total interest expense | $4,820,000 | 3,036 |
| Net interest income | $6,829,000 | 2,569 |
| Provision for loan and lease losses | $10,000 | 8,114 |
| Total noninterest income | $2,452,000 | 1,592 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,806,000 | 735 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $646,000 | 2,506 |
| Total noninterest expense | $5,113,000 | 2,637 |
| Salaries and employee benefits | $2,419,000 | 2,894 |
| Premises and equipment expense | $611,000 | 3,197 |
| Additional noninterest expense | $2,083,000 | 2,091 |
| Pre-tax net operating income | $4,158,000 | 1,782 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,303,000 | 1,782 |
| Income before extraordinary items | $2,855,000 | 1,862 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,855,000 | 1,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,726 |
| Cash dividends | $2,100,000 | 1,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,855,000 | 1,830 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,730,000 | 2,756 |
| Total interest expense | $4,898,000 | 3,059 |
| Net interest income | $6,832,000 | 2,482 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $2,347,000 | 1,628 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,599,000 | 773 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $748,000 | 2,274 |
| Total noninterest expense | $5,181,000 | 2,511 |
| Salaries and employee benefits | $2,436,000 | 2,790 |
| Premises and equipment expense | $610,000 | 3,114 |
| Additional noninterest expense | $2,135,000 | 1,989 |
| Pre-tax net operating income | $3,868,000 | 1,889 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,370,000 | 1,768 |
| Income before extraordinary items | $2,498,000 | 2,086 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,498,000 | 2,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,434 |
| Cash dividends | $2,200,000 | 1,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,498,000 | 2,015 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,123,000 | 2,930 |
| Total interest expense | $4,428,000 | 3,339 |
| Net interest income | $6,695,000 | 2,591 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,952,000 | 1,802 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,483,000 | 863 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $469,000 | 2,954 |
| Total noninterest expense | $4,969,000 | 2,583 |
| Salaries and employee benefits | $2,344,000 | 2,821 |
| Premises and equipment expense | $615,000 | 3,075 |
| Additional noninterest expense | $2,010,000 | 2,080 |
| Pre-tax net operating income | $3,678,000 | 2,047 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,381,000 | 1,843 |
| Income before extraordinary items | $2,297,000 | 2,292 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,297,000 | 2,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,491 |
| Cash dividends | $2,400,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,297,000 | 2,237 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,223,000 | 3,531 |
| Total interest expense | $3,675,000 | 4,004 |
| Net interest income | $5,548,000 | 3,189 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,443,000 | 2,365 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,230,000 | 1,069 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $213,000 | 5,002 |
| Total noninterest expense | $4,229,000 | 3,172 |
| Salaries and employee benefits | $2,077,000 | 3,217 |
| Premises and equipment expense | $687,000 | 2,854 |
| Additional noninterest expense | $1,465,000 | 3,184 |
| Pre-tax net operating income | $2,762,000 | 2,544 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,041,000 | 2,268 |
| Income before extraordinary items | $1,721,000 | 2,827 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,721,000 | 2,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,458 |
| Cash dividends | $1,600,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,721,000 | 2,785 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,113,000 | 6,868 |
| Total interest expense | $1,793,000 | 6,919 |
| Net interest income | $2,320,000 | 6,640 |
| Provision for loan and lease losses | $113,000 | 4,343 |
| Total noninterest income | $725,000 | 3,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $573,000 | 2,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,944 |
| Total noninterest expense | $1,973,000 | 6,045 |
| Salaries and employee benefits | $833,000 | 6,933 |
| Premises and equipment expense | $437,000 | 4,211 |
| Additional noninterest expense | $703,000 | 5,832 |
| Pre-tax net operating income | $959,000 | 6,161 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $295,000 | 6,065 |
| Income before extraordinary items | $664,000 | 6,211 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $664,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,418 |
| Cash dividends | $216,000 | 5,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $664,000 | 6,194 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,233,000 | 7,718 |
| Total interest expense | $1,152,000 | 8,086 |
| Net interest income | $2,081,000 | 7,371 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $685,000 | 4,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $566,000 | 2,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,953 |
| Total noninterest expense | $1,546,000 | 7,453 |
| Salaries and employee benefits | $708,000 | 7,811 |
| Premises and equipment expense | $265,000 | 6,269 |
| Additional noninterest expense | $573,000 | 7,232 |
| Pre-tax net operating income | $1,217,000 | 5,191 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $379,000 | 4,948 |
| Income before extraordinary items | $850,000 | 5,118 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $850,000 | 5,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $266,000 | 4,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $841,720 | 5,219 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,123,000 | 8,135 |
| Total interest expense | $1,155,000 | 8,461 |
| Net interest income | $1,968,000 | 7,776 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $564,000 | 5,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $490,000 | 2,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,889 |
| Total noninterest expense | $1,550,000 | 7,649 |
| Salaries and employee benefits | $677,000 | 8,154 |
| Premises and equipment expense | $203,000 | 7,624 |
| Additional noninterest expense | $670,000 | 6,794 |
| Pre-tax net operating income | $979,000 | 5,978 |
| Securities gains (losses) | $664,000 | 743 |
| Applicable income taxes | $524,000 | 4,013 |
| Income before extraordinary items | $1,119,000 | 4,262 |
| Extraordinary gains, net | $-15,000 | 12,391 |
| Net income | $1,104,000 | 4,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $705,000 | 2,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $667,480 | 6,075 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,298,000 | 8,475 |
| Total interest expense | $1,444,000 | 8,686 |
| Net interest income | $1,854,000 | 8,184 |
| Provision for loan and lease losses | $71,000 | 8,232 |
| Total noninterest income | $522,000 | 5,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 3,039 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,641 |
| Total noninterest expense | $1,297,000 | 8,671 |
| Salaries and employee benefits | $572,000 | 9,068 |
| Premises and equipment expense | $128,000 | 9,751 |
| Additional noninterest expense | $597,000 | 7,542 |
| Pre-tax net operating income | $1,008,000 | 5,583 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $306,000 | 5,853 |
| Income before extraordinary items | $702,000 | 5,905 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $702,000 | 5,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 12,871 |
| Cash dividends | $192,000 | 5,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $702,000 | 5,562 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.